Cincinnati, OH Home Insurance - Analysis On Quotes, Rates & Agents

Cincinnati, OH Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Cincinnati, OH. The average cost of insurance in Cincinnati, OH is $687. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Cincinnati, OH

National Average Premium State Average Premium Cincinnati Average Premium
$1,438 $712 $687

Top Home Insurance Companies in Cincinnati, OH | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Cincinnati, OH.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
American Family $773 $928 $1,206 $1,665
Farmers $1,049 $1,259 $1,637 $2,259
Travelers $1,234 $1,481 $1,925 $2,656
Liberty Mutual $1,120 $1,344 $1,748 $2,412

Cincinnati, OH Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 660.32
$150,000 To $174,999 753.07
$175,000 To $199,999 960.27
$200,000 To $249,999 1,116.1
$250,000 To $299,999 1,647.04
$300,000 To $399,999 2,295.84
$400,000 To $499,999 2,697.74
$500,000 To $749,999 3,453.1
$750,000 To $999,999 3,992.65
$1000,000 To $1499,999 4,397.31
$1500,000 To $2000,000 4,721.04

Visual Guide for Cincinnati, OH Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Cincinnati, OH | Back to Top

Home Insurance Company Near Cincinnati, OH Homeowners Insurance Agency Near Cincinnati, OH Address
State Farm Dave Leonard 5898 Salem Ave, Dayton, OH, 45426-1448
Travelers Midwest Insurance Llc 135 SHORT ST, LAWRENCEBURG, IN, 47025
Travelers Norman Spencer Agency Inc 8075 Washington Village Drive , Dayton, OH, 45458
Erie Vanvleet Insurance Agency 5294 Madison Pike Suite 206, Independence, KY, 41051

List of Cincinnati, OH Home Insurance Agents by Companies


Cincinnati, OH Homeowners Insurance Rates Based on Claims Filed | Back to Top

A discount of $82.44 on the home insurance premium is offered to Cincinnati, OH homeowners who have no previous history of claims filed, Cincinnati, OH homeowners with one claim have to file an additional home insurance rate of $34, while Cincinnati, OH homeowners with 2 claims have to pay $89 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -82 605
One Claim +34 721
Two Claim +89 776


Cincinnati, OH Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
45232 90,500 646
45207 86,800 660
45225 74,200 646
45205 73,300 696
45204 71,000 653
45214 70,800 696
45208 312,800 695
45202 309,700 649
45226 272,300 649
45220 221,200 639
45209 205,800 660
45252 185,300 697
45206 176,100 696
45203 173,300 653
45229 131,300 649
45219 125,400 666
45231 111,200 653
45211 111,000 697
45237 111,000 653
45223 102,400 639

Factors Affecting Home Insurance Premiums in Cincinnati, OH

Cincinnati, OH homeowners pay an average home insurance premium of $687. Homeowners in Cincinnati, OH can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

Cincinnati, OH Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 625
3 Bedroom 670
4 Bedroom 1,027
5 Bedroom 2,009

Cincinnati, OH Home Insurance Premiums for Different Deductibles | Back to Top

Cincinnati, OH Homeowners with a deductible of $500 pay a higher amount for home insurance, while Cincinnati, OH homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 679
$1000 Deductible 614
$1500 Deductible 578
$2000 Deductible 525
$2500 Deductible 493

Cincinnati, OH Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Cincinnati, OH pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 536
Year 30 Old 697
Year 40 Old 705
Year 50 Old 713
Above Year 50 720

Cincinnati, OH Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 96 591
Masonry 34 653
Brick 34 653
Superior 69 618
Hail Resistant Roof 14 673

Top Saving Tips on Cincinnati, OH Homeowners Insurance | Back to Top

Cincinnati, OH Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Cincinnati, OH Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Cincinnati, OH homeowners receive attractive discounts from home insurance companies.

The tables below contain the complete list of discounts that Cincinnati, OH homeowners can take advantage of to increase their savings.

Cincinnati, OH Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 96 591
Retiree Discount (Senior Citizen Discount) 96 783
Newly Constructed Home 151 536

Cincinnati, OH Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 69 618
Fire Extinguishers 69 618
Smoke Detectors 96 591
Sprinkler System 41 646
Fire Alarm 62 625
Burglar Alarm 62 625
Lightning Protection 14 673

Latest Home Insurance Reviews

Geico
I would highly recommend Geico for home insurance. I have only had a small claim with them but they covered it no problem and I had payment within 2 days after the request.
State Farm
I would recommend this company for great rates, great service. This company you can make an appointment and ask questions and have them answered.
Cincinnati Insurance
Premium is probably a little higher but the company is high quality and has covered the cost of claims without complaint so it seems fair. The deductible seems pretty typical.
Geico
I would recommend this company for two reasons primarily. One being that their customer service is impeccable.Second, they work with you and try to give you the best deal they can offer.
Farmer's Insurance
I would definitely recommend them to farmers because farmers has some amazing policies and they really treat customers well and make you feel safe.
Allstate
I would recommend Allstate for home insurance as the price is competitive and the claims are processed promptly and efficiently. I had multiple claims over a period of 10 years.
Progressive
They did have comparable offerings at a better price than most other companies when I purchased my house; however, I feel that the rates have jumped so much I might need to reshop.
Allstate
Allstate offers several different options to customize a home insurance plan that gives me the best coverage for my budget. They also offer a digital locker that records my belongings should.
Allstate
I do not like that the rates go up, especially since i did not have claims in a few years.
State Farm
My insurance agent is very helpful and is quick to respond to our calls and emails. she gets in contact with us in a timely matter.
American Modern Insurance
I like american modern because it is one of the few home insurance companies that provide coverage for properties of my type. i live in a 20 year manufactured home and not many home insurance companies provide coverage for these types of homes.
Grange Insurance
I have not tried to compare prices on my premiums in a number of years. I have all of my home and vehicle insurance coverage with the Grange insurance company.
Farmer's Insurance
I know that I pay more than most. I compare from time to time to see what I would pay for different coverage amounts with other companies. So I wish in the end, there were ways that I could end up paying less each month.
State Farm
They were quick to get back to us when we called and they were very friendly and not as pushy as insurance salesmen typically are.
Allstate
I am very satisfied with the communication/interaction with my insurance company. For the most part, I get emails. Once in a while I will get phone calls, but emails work best for me.
National General
National General's website is easy to navigate. The web page is very informative on their products and usage. It is not the best website I've ever seen but it is very functional.
Auto Owners
The company is responsive to any concern that I have and provides adequate resolution to any problems or questions about coverage and premium amounts.
State Farm
All premiums are going up in the area I live in because we are prone to tornados.
Travelers
They were the only company that followed up with me when getting quotes and they called me back and followed through on every follow-up email they promised, unlike others.
Auto Owners Insurance
Like I said earlier, I like that they are there when I need them. If I have a question I can call. If I need someone to get back to me, they do. I don't have to wait for days on end to get an answer. They have small offices located in our area, and the one that services the area we live in has always been very good at getting back to us when we need answers.
American Family
I haven't had any issues with them thus far and think they are reliable.
Allstate
I wish the price was not so high. But I guess that is the price you need to pay for a job well done sometimes.
State Farm
There are not many things I dislike about the company. I do think the prices could be lower. I also do not like how frequently they try to sell me more coverage.
Progressive
I would definitely recommend this insurance because they were always available and for us when we went through hard times and weren't all about the money right away, they put our welfare and safety first.
Erie Insurance
The toll free number may as well be manned by robots. They have always been very nfeeling and for the most part unhelpful. I dislike dealing with them so I avoid calling them.
Farmer's Insurance
I am overall satisfied with the insurance company I use. They are always helpful, courteous and willing to go out of their way to help in any way they can.
Metlife
This home insurance company is different from all other insurance companies because the way of approach will be different for the customers.
Peninsula Insurance
I do not like the constant push to buy other insurance product. They treat you as an idiot, and continually try to educate you on how little you understand and how much you need them